How to find out why do not give a bank loan? The answer worries many potential customers who hoped to get borrowed funds and receiving failure. Learn it is possible, knowledge will help increase the chances of approval or find out other ways to improve the financial position.
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How to find out why the bank refuses
The Bank, when considering the application, takes into account many criteria and has the right to refuse without explaining the reasons. But the main factor affecting the decision is credit history. You can check it in several ways:
Possible reasons for refusal
Before concluding a contract with a client, the bank must learn that the borrower will be able to pay a loan in a timely manner. For this, representatives of the financial organization carefully analyze the creditworthiness of a citizen and take into account several factors. Find out why the failure is obtained, it is not easy, but there are a number of possible reasons for which the loan does not give:
- spoiled credit history;
- lack of stable income (its confirmation);
- lack of permanent registration, registration;
- age under 18-20 years or older than 65-80;
- lack of experience and permanent employment;
- large amount requested;
- False information about the client;
- the presence of condoms;
- dependents.
Where to take money if the loan does not give
If the loan is not allowed, you can use other products of the bank. Available to many and popular among Russian citizens -. It has a certain limit that cannot be exceeded. As a rule, there is a grace period, during which it is possible to replenish the score, returning spent the means without paying percentage. After the expiration, the interest rate begins to operate, and the size is usually higher than in standard lending.
If you failed to find out why the loan does not give, and the money is urgently needed, contact the microfinance organization for. The service is no less popular, since more loyal requirements are presented to borrowers. For money, you usually need to provide a certifying document. Confirmation of income and experience in most cases is not required.
But there are some nuances. First - overpayment. The second is the daily interest accrual. As a result, the annual bet may exceed 600-800%. The third is a significant penalty at delay. In just a couple of weeks, debt can grow several times.
How to increase the chances of approval
If you managed to find out, you can try to eliminate the reasons for the refusal and change the situation, becoming a positive and desirable client. For example, confirm your income by providing the bank to a certificate of earnings 2-NDFL. A big plus will be the official work experience, which will prove the workbook.
The guarantee of credit provision can be a deposit, so the presence of real estate or car will become a big plus. Subscribe property as a mortgage and get money. You can also provide guarantors who, in case of delay, payments will be repayed. But few agree to this.
Tip: If you requested a large amount, try to reduce its size. Perhaps, in this case, the loan will be issued.
Find out why the bank does not give credit, you can try on your own. And now you know how to do it, and you can get money.
